Finance Broker 222112 金融经纪人职业基本介绍
金融经纪人在金融谈判过程中作为独立代理人运作，并代表客户安排贷款。
A Finance Broker operates as an independent agent in the course of financial negotiations and arranges loans of money on behalf of clients.
以下职业 可以 算入该职业组别：
- 租赁经纪人 Lease Broker
- 抵押经纪人 Mortgage Broker
以下职业 不能 算入该职业组别：
- 金融市场交易商 Financial Market Dealer
- 期货交易商 Futures Trader
- 股票经纪商 Stockbroking Dealer
- 商品交易商 Commodities Trader
- 保险经纪人 Insurance Broker
- 金融投资顾问和经理 Financial Investment Advisers and Managers
- 信贷专员 Credit and Loans Officer
飞出国注：以上这些职业都有对应其他ANZSCO代码或者不够该职业的技能水平。
Finance Broker 222112 金融经纪人职业评估要求
- Finance Broker 222112 金融经纪人属于VETASSESS评估的Group C职业，要求至少有等同于澳洲专科Diploma层次学历才可以。申请人可以通过以下四类途径之一满足评估要求：
- 专科学历且是与提名职业高度相关的专业，那么需要近五年内有一年与提名职业相关的工作经验
- 专业科学历但专业不是与提名职业相关的，但是有相关专业的专科以下学历（等同于澳洲Certificate IV层次），那么需要近五年内有一年与提名职业相关的工作经验
- 专科学历且专业不适于提名职业相关的，且没有其他相关专业的学历，那么需要近五年内有两年与提名职业相关的工作经验
- 如果申请人的相关工作经验是在获得专科学历之前的，那么可以是近五年内有一年相关工作经验的基础上，有额外三年相关的工作经验（这三年可以不是近五年内的，但是需要是近十年内的）
-
Finance Broker 222112 金融经纪人学历要求至少有专科学历，相关专业可以是金融Finance，经济学Economics，计量经济学 Econometrics， 会计Accounting，管理学Management，一般商务 General Commerce，商学 Business
-
工作经验要求，学历前的工作经验可以纳入职评考虑范围内，高度相关的工作职责，包括：
- 确定客户的具体财务要求，研究和审查金融产品是否适合满足客户的要求 Determining clients’ specific financial requirements, and researching and reviewing finance products for suitability to meet clients’ requirements
- 分析客户的财务状况，讨论财务选择并制定财务策略 Analysing clients’ financial status, discussing financial options and developing financial strategies
- 推荐满足客户需求的贷款组合 Recommending loan combinations that meet clients’ needs.
- 通过银行、贷方和财务公司为客户安排住房贷款抵押和其他类型的融资 Arranging home loan mortgages and other types of finance for clients through banks, lenders, and finance companies
- 准备文件，列出融资条件、还款条件和贷款期限 Preparing documents that set out the conditions of finance, repayments and loan periods
- 确定客户当前的财务状况和财务意向 Ascertaining clients’ current financial position and financial intentions
- 提供有关信贷产品和相关金融交易的信息和建议 Providing information and advice about credit products and associated finance transactions
- 识别可能针对特定情况批准贷款的一系列信贷提供者 Identifying a range of credit providers that may approve a loan for a specific situation
- 评估客户的借贷能力 Assessing clients’ borrowing capacities
- 协助选择最适合客户目标的贷款结构和产品 Assisting in the selection of the most suitable loan structure and products that suit clients’ objectives
- 完成贷款申请文件 Completing loan application documents
- 更新客户的申请进度和信用审批 Updating clients on the progress of their application and their credit approval
- 与信贷提供者保持联系，以确保客户贷款的结算不会出现不必要的延误 Keeping in touch with credit providers to ensure that settlement of clients’ loans occurs without unnecessary delay
- Finance Broker 222112 金融经纪人就业情况：
- 金融经纪人是中间人角色，代表客户与银行和信用社沟通，安排房屋贷款，车贷，商务金融和投资。
- 金融经纪人通常是作为独立经纪人工作，协助客户从一系列的金融机构获得贷款。他们通常致力于抵押经纪或者租赁经纪业务，通常是中小型企业。有的金融经纪人是自雇的。
- 需要注意的是，金融交易商，金融投资分析师和经理是有别的职业代码，不算做金融经纪人。
Finance Brokers are ‘’go-betweens’’ who typically liaise with banks and credit unions on behalf of their clients to arrange home loans, car loans, commercial finance and investments.
They work as independent agents in assisting clients to access loans from a range of financial institutions. They typically work for dedicated mortgage broking or lease broking businesses, often small or medium-sized enterprises. Some may be self-employed.
Please note that Financial Dealers, Financial Investment Advisers and Managers are separately classified in ANZSCO, and will not be considered under this occupation.
- 其他证明材料：除开VETASSESS常规要求的工作材料，申请人可以提供执业证明（如有），协会会员证明，获奖证明，也可以将相关培训课程或者执业注册证书等在简历中说明。
When applying for a Skills Assessment, please ensure you submit sufficient evidence supporting your proof of identity, qualification and employment claims. A full list of the documents required can be found on the VETASSESS website under Eligibility Criteria.
While the VETASSESS Skills Assessment for migration purposes is distinct from an assessment for licensing or registration purposes, you are advised to provide copies of relevant licences (including from overseas), if held. You are also further encouraged to provide evidence of membership of, or affiliation to, industry or professional bodies and copies of any relevant prizes, certificates or other forms of commendation.
You should also provide details of any relevant training or professional development courses undertaken. These may be detailed in the Curriculum Vitae/Resume provided.
飞出国：以上VETASSESS职业评估Finance Broker 222112 金融经纪人职业介绍Information Sheet为官网2021年10月公布的最新版本，目前依然有效，该Information Sheet内容根据VETASSESS职业评估需要会不定期修改。
